Auto Insurance Benefits

Insurance Policies are about more than just coverage

Your auto insurance policy includes more than just coverage for your vehicle. It also includes some added benefits (some that are standard, some you can add) that can help make your insurance experience as hassle-free as possible.

Accident Forgiveness: If you've been accident and violation-free for 5 years (no matter what insurance carrier you've been with), we won't raise your rates due to your first accident. If you qualify, you'll receive this benefit at no extra cost.

Lifetime Repair Guarantee: If your car is in an accident covered under your policy, you can have it fixed at one of our approved repair shops and the repairs will be guaranteed for as long as you own your vehicle.

Roadside Assistance: If your vehicle ever breaks down, we won't leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance coverage will get you moving again - we'll even make the arrangements.1

12-Month Rate Guarantee: Many auto insurance policies only last 6-months. This means that your rate can change after only half a year. At Liberty Mutual, our policies are for a full-year - guaranteeing your rate for an entire year.

Convenient Payment Options: Paying your bill should be quick and easy; whether over the phone, online or through our mobile app, there are a number of options at your disposal. Have your payments deducted automatically from your checking or savings account (Electronic Funds Transfer), pay by credit card, mail us a check  you decide.2

After-Hours Policy Services: Have a policy or billing question, or need to change your policy? You can call our customer service representatives for expert help with questions regarding your policy and billing after normal business hours and on weekends.

The descriptions of coverages listed on this website are necessarily brief and are subject to the provisions, limitations and exclusions that can only be expressed in the policy and related endorsements. Benefits and services outlined on this website are provided at no additional cost unless otherwise specified. Discounts, credits and benefits are available where state laws and regulations allow and may vary by state. Please contact your insurance representative for additional details.

1 With the purchase of optional Towing & Labor coverage. Applies to mechanical breakdowns and disablements only. Towing related to accidents would be covered under your Collision or Comprehensive coverage.